New Credit Union hours as of January 1, 2023!
Lobby hours: 8:30am-5:00pm Monday-Friday and Drive Up hours: 7:30am-5:00pm Monday-Friday.


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Debit Card Holds

When you use a debit card, the store clerk will swipe your debit card for authorization. When the approval is given, a hold is placed on your debit card for the amount of the purchase. This is called a pre-authorization hold. The hold will remain on the debit card until the purchase comes in to clear and matches an authorization hold or for 3 days if no authorization match comes through. An authorization may not match if the merchant sends through a charge for a different amount than the original authorization amount or if the transaction date is different from the original authorization date.

If you have a hold on your debit card, any new purchases made will be added to that hold amount. If your purchase amount is close to the balance in your checking account, then your purchase may be declined.

For example:
Let's say you have a hold on your debit card from a $60.00 purchase you made that has cleared your checking account leaving you a $100.00 balance. The hold did not release because the purchase did not match any holds on file. Then you try to make a $50.00 purchase; that declines because your hold amount of $60.00 is added to your new purchase amount of $50.00, bringing your total to $110.00, which is more than the balance left  in your checking account.

You also have credit limits set on your debit card. These credit limits are based on a 24-hour period. Lets say your credit limit is set at $500 and you made a purchase today of $300. That purchase is placed on hold. Then you attempt to make another purchase today of $300. The purchase would be declined because the total of the 2 purchases is $600, which exceeds your $500 credit limit.

Some merchants, such as restaurants, gas stations and hotels, may authorize for an amount greater than what you were actually billed. They do this because the amount of your purchase is unknown at the time of authorization. This larger authorization amount allows for tips, room service, etc.

PIN generated transactions will not place a hold on your debit card. Since these types of transactions are processed on the same day, they do not require a hold.


News and Events

  • Saturday, July 14:Moxie Parade
  • Tuesday, September 12:Notice to Consumer of Right to Cancel
  • Tuesday, August 15:Abandoned Property Notice
  • Tuesday, August 8:Win PATRIOTS Tickets!
  • Tuesday, August 1:Could Employers Use Immigrants to Avoid the Health Mandate?
  • Tuesday, August 1:Need Insurance?
  • Wednesday, June 14:Raffle to End Hunger
  • Monday, June 5:Stay on top of your Credit Report
  • Tuesday, May 16:2017 Scholarship winner
  • Thursday, May 4:Win PATRIOTS Tickets!
  • Tuesday, April 18:Mobile Deposit is here!
  • Tuesday, April 11:Mobile Banking
  • Tuesday, April 4:Bill Pay Advantages
  • Tuesday, March 14:Private Student Loans
  • Tuesday, February 21:Easy IRA
  • Tuesday, February 14:Current Scams
  • Tuesday, January 31:Direct Deposit Your Tax Refund
  • Tuesday, December 20:Visa Gift Cards
  • Tuesday, November 15:Letter from Santa
  • Tuesday, October 25:50/50 RAFFLE!
  • Tuesday, October 11:Community Commitment
  • Tuesday, September 20:Shield Your PIN
  • Tuesday, September 6:Annual Credit Report
  • Tuesday, August 30:Saturday Drive-up Hours
  • Tuesday, August 9:Visa Gift Card notice
  • Tuesday, July 26:Donation to Special Olympics
  • Tuesday, July 12:Health Care Costs in Retirement
  • Tuesday, June 28:Summer Reading grant awarded
  • Tuesday, June 21:Reader of the Year Award
  • Tuesday, June 14:Members save more on insurance!
  • Tuesday, May 10:Go fee-FREE with SURF
  • Tuesday, April 12:Direct Deposit/ Payroll Deduction
  • Tuesday, March 8:New VISA Credit Card!
  • Tuesday, February 23:Mobile Banking
  • Tuesday, January 19:TruStage Insurance Products
  • Monday, December 21:$1.00 ATM Fee dropped
  • Tuesday, October 20:New Security Feature!
  • Tuesday, August 25:Shared Branching
  • Tuesday, August 18:Verified by Visa
  • Tuesday, July 21:Debit Card Holds
  • Tuesday, May 5:Pet Insurance
  • Tuesday, February 3:5% Down Payment Mortgage
  • Tuesday, January 13:Ever wonder if there’s a better way to buy a new car?
  • Tuesday, September 2:Credit Union Auto Club
  • Tuesday, October 29:Satisfy Your Snack Attack
  • Wednesday, August 7:We have more branches than any bank in Maine!
  • Tuesday, July 16:How to Buy a Car

Lewiston Location

1000 Lisbon Street
Lewiston, ME 04240

1-207-783-1475

FAX: 1-207-777-1914

Auburn Location

Permanently Closed

836 Center Street
Auburn, ME 04210

1-207-783-1475

FAX: 1-207-440-2100

Mailing Address

Central Maine Federal Credit Union
P.O. Box 1746
Lewiston, ME 04241-1746
Routing Number: 211287926

Credit Union Hours

Office: Monday - Friday 8:30 am - 5:00 pm
Drive Up: Monday - Friday 7:30 am - 5:00 pm
Office and Drive Up: Saturday - Sunday Closed

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